A loan helped to buy a dairy cow to increase her headcount of cattle and sales of organic milk.


Gulzat's story

Gulzat is 39 and married with four children. She has a high school education and has been working in animal husbandry and agriculture since 2000 as the primary source of income for her family. Thanks to her hard work, she currently has two cows, 10 sheep and a horse on her farm as well as 0.3 hectares of land where she grows beans. She also has a contract to provide organic milk to a local factory for further processing into dairy products. This allows her to constantly invest in her agricultural business.

Having found out that she could receive a loan for further repayment from Bai Tushum Bank through the "chain of added value" product, Gulzat approached them for a loan of 50,000 KGS to buy a dairy cow to increase her yield of milk. Payments from the factory for the milk will be directly deposited into her bank account, and loan payments automatically debited. Income from the loan will help her develop her farm further in the future and give her children a good education.

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Translated from Russian by Kiva volunteer Kat Tancock.


This loan is special because:

It allows farmers to increase production and income in a guaranteed value chain.



Loan details


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Loan details